Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,079Posts
    • 8,826Thanks
    WannabeFree
    ôRock bottom became the solid foundation on which I rebuilt my life.ö
    • #1
    • 21st Nov 17, 11:04 AM
    ôRock bottom became the solid foundation on which I rebuilt my life.ö 21st Nov 17 at 11:04 AM
    Back in May this year I decided things had to change. I turned to here and received an amazing amount of help and advice. Here I am making a fresh start.

    Debt 09/05/2017

    Council Tax ú2092.71
    Court Fine ú1250
    Court Fine ú200
    Person 1 ú1000
    Person 2 ú1000
    Person 3 ú1379
    Person 4 ú427
    Debt Total ú7348.71

    Rent Arrears ú3381.28

    Total ú10729.99

    *Person 4 ú575
    *New Debt ú732
    *Debt 1 ú387.29
    *Debt 2 ú1451.40
    *Debt 3 ú1137.73
    *EDF ú3140.65

    Total ú18154.06

    *As more comes out from under the carpet I will update here.
    Last edited by WannabeFree; 21-11-2017 at 12:21 PM.
Page 68
    • Cherryfudge
    • By Cherryfudge 11th Feb 18, 11:35 PM
    • 1,304 Posts
    • 6,506 Thanks
    Cherryfudge
    Glad you're safe back home having captured your MacD! No snow here yet but we'll see if that lasts till morning. You realise if you report that the going is really bad, I shall end up cancelling my trip to work on Mum's house later in the week! Not that I want to get out of it or anything...
    • charlies tribe
    • By charlies tribe 11th Feb 18, 11:46 PM
    • 618 Posts
    • 5,127 Thanks
    charlies tribe
    My little ones are 8 and 9 and I sent them at 9 today. I would love for them to go a bit earlier as they are terrible to get up. 9 ywar old was back down at 10.45 as she couldn't sleep, I thought she had been gone ages.
    DD1 has just come up with me, can't tell her to go to be as easily now she is 16. Enjoy the peace while you can.

    It's been snowing and raining all day here, nothing settling when I shut the curtains. DH got up at 6 and shouted down asking where on earth all the snow had come from. Hopefully there isn't any more.
    LBM in April 17 - ú5835/ú33554 (17.3%) paid.
    2018 PAID OFF TARGET ú211/5000
    DFD: 1st May 2022
    SPC #591
    • Honeysucklelou2
    • By Honeysucklelou2 12th Feb 18, 1:33 AM
    • 662 Posts
    • 2,620 Thanks
    Honeysucklelou2
    When I was a child, my parents linked bedtime and ages. So at the age of 6, it was 7.30, 7 was 7.45, 8 was 8 o' clock etc. Every birthday was looked forward to as we got an extra 15 mins!! I've done the same with mine until they have reached teenagehood.

    Is it worth getting some live yogurt to eat? Antibiotics can wipe out the good bacteria in your system and live yogurt can put it back in. If you don't like yogurt, you can get small milkshake like drinks, own supermarket brand, that are quite reasonable. Hope you are feeling better and the antibiotics are working.
    paydbx #93 ú415/ú8,000.
    Loan ú17k - paid off in Aug 2017. Home improvement loans ú3342 March 2017. ú3123 in Jan 18
    • XSpender
    • By XSpender 12th Feb 18, 7:50 AM
    • 2,853 Posts
    • 29,490 Thanks
    XSpender
    My 7 almost 8 year old goes up a little before 8, we read a few pages of his book and then he is allowed another 10 minutes or so to read his own book. He sleeps like a log and has no problem getting up.

    7pm does seem a little early for a 9 year old but all kids have different sleep needs.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 ú666.22/ú510.80
    Target Debt Virgin (Me) Part 1 ú1176.49/ú652
    Target Debt Virgin (Me) Part 2 ú1038/ú1038

    Big black hole of debt - ú53,515.15 @ 16.12.17 ú53,997.55 @ 31.01.18
    • beanielou
    • By beanielou 12th Feb 18, 10:37 AM
    • 50,499 Posts
    • 192,995 Thanks
    beanielou
    A dust of snow here with more forecast.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • WannabeFree
    • By WannabeFree 12th Feb 18, 10:39 AM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    Morning (at least it's actually morning when I've said it today )

    Did the school run myself this morning. It was rather quiet and no one wants to stop and chat in the snow so thought I'd brave it!

    It's still snowing on and off, we have quite a good bit on the ground now. No where near as much as further up North but still good for us.

    I might change the bedtime to 7.30 and see how we go. I can always change again if it doesn't work. Those 30 minutes will help more than it looks on days we have later appointments especially.

    They still got up fine at 6.30 when the alarm went off.

    No other real news today, youngest has gone to school so need to collect her at 11.30 but other than that we are staying in where it's warm

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Cumbria lass
    • By Cumbria lass 12th Feb 18, 10:49 AM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Snow here as well , but always more where you are as you are higher up than me.

    With regards to bedtime, has your DS or DD asked for a later bedtime ? I would be guided by them .

    Have a good day hope the snow melts for the school pickups .
    Jan 2018 CC1 ú3099 CC2 ú220

    Debt Free Nov 2019: earlier if I have my way
    • WannabeFree
    • By WannabeFree 12th Feb 18, 11:22 AM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    The sun is nice though isn't it Cumbria? (from inside anyway )

    DS has mentioned bed time a few times, but only because his friends get later. His friends get a lot he doesn't I'm quite a lot 'stricter' than his friends parents on things like playing out/coming in etc. They all walk to school etc and he has to walk with me So he thinks I'm harsh anyway

    DD hasn't but I think she'd go to bed no matter what time it is as long as I'd said bedtime now.

    I think 7.30 is late enough when they are up at 6.30 but it gives us that bit of breathing space if we are running later than usual. Its been nearer the 7.30 because their dad doesn't get here from work until gone 6pm then he has to bath them etc and its tight to get it all in before 7.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Cumbria lass
    • By Cumbria lass 12th Feb 18, 11:31 AM
    • 1,361 Posts
    • 7,770 Thanks
    Cumbria lass
    Maybe if you differentiate between the times by 30 mins , let DS have a shower later and go to bed a little later , I did this with my 2 , but it has to be what fits in with you . As for his friends getting more than him , that's a story all children tell.

    Yes the sun is lovely from inside .
    Jan 2018 CC1 ú3099 CC2 ú220

    Debt Free Nov 2019: earlier if I have my way
    • charlies tribe
    • By charlies tribe 12th Feb 18, 11:59 AM
    • 618 Posts
    • 5,127 Thanks
    charlies tribe
    If you listen to my children i'm a really mean mummy. Their friends stay up later, play out on the park alone, play games whenever they want, all have phones...

    We live so much further from the park than them, they don't need phones, yes they are only allowed 1 hour on games as otherwise they would be on them constantly.

    You know them and how much sleep they need, they may need more than their friends so they aren't ratty (my girls are if they don't have enough sleep).
    LBM in April 17 - ú5835/ú33554 (17.3%) paid.
    2018 PAID OFF TARGET ú211/5000
    DFD: 1st May 2022
    SPC #591
    • WannabeFree
    • By WannabeFree 12th Feb 18, 12:44 PM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    Thank you.

    Well need to drop by the hospital for some magic stuff. Youngest will have to come with me. Joyful She had a good morning at school though

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Feb 18, 1:27 PM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    I'm constantly told by my 13yr old son that i'm an over protective mother and it's not fair my mates do it are allowed etc, his recent one was i'm over protective because I won't let him go and hang out with his mates in town at night and then get the last bus home at 11pm
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings ú10,000 Holiday spends ú349.02 General savings ú160.24
    Clothes challenge ú250/ú36.63
    • WannabeFree
    • By WannabeFree 12th Feb 18, 4:14 PM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    Magic juice given, and a more permanent IV should hopefully mean the local can do more.

    Called into Mr T on the way home, just at the right time for reductions it seems. Spent ú9.38 but lots of fresh fruit/veg/salad/cheese reduced. Also 2 cooked chickens, a packet of bacon and mince.

    Also picked up some daffodils reduced to 40p Not really a need
    Didn't have wrapping paper though

    Smalls home from school soon, so just having a quick cuppa before the mayhem starts. DD wants a friend over to play and she's asked if another friend can have a sleepover one night
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Feb 18, 4:17 PM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    Well done on all your supermarket bargains and 40p for the daffs is fantastic.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings ú10,000 Holiday spends ú349.02 General savings ú160.24
    Clothes challenge ú250/ú36.63
    • beanielou
    • By beanielou 12th Feb 18, 5:15 PM
    • 50,499 Posts
    • 192,995 Thanks
    beanielou
    Great bargains
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Feb 18, 7:40 PM
    • 8,596 Posts
    • 49,340 Thanks
    please-let-me-be-lucky
    I'm constantly told by my 13yr old son that i'm an over protective mother and it's not fair my mates do it are allowed etc, his recent one was i'm over protective because I won't let him go and hang out with his mates in town at night and then get the last bus home at 11pm
    Originally posted by pennywisepoundstupid
    11pm

    *faints*
    Debts @ LBM ú23,729.31. Debts @ 08/04/2016 ú0

    NSDs achieved in 2018 11:60
    Lbs lost 14/107.
    Savings for Florida ú77.90/ú1000
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Feb 18, 7:46 PM
    • 4,632 Posts
    • 15,380 Thanks
    pennywisepoundstupid
    11pm

    *faints*
    Originally posted by please-let-me-be-lucky
    Exactly! I mean who the hell would allow there teenager to hang around streets until that time doing goodness knows what, so I will continue to be over-protective (insert rolling eyes), he will thank me one day.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings ú10,000 Holiday spends ú349.02 General savings ú160.24
    Clothes challenge ú250/ú36.63
    • WannabeFree
    • By WannabeFree 12th Feb 18, 7:51 PM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    Oh I missed that Pennywise Sorry.

    See where we are a lot of small ones even from around 4 are wandering around until gone 9pm. Even later in the summer. However I don't let mine out without me supervising Or I have everyone in here to play. Some days on a weekend they can be here from breakfast until mine are coming in for baths with no one checking on them!

    It's also not a desirable area here I still worry when my sister goes out and she's 22

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • WannabeFree
    • By WannabeFree 12th Feb 18, 7:54 PM
    • 1,079 Posts
    • 8,826 Thanks
    WannabeFree
    I'm so glad it's bedtime

    All of a sudden I'm a heap on the sofa good for nothing

    Maybe a bit too much done today Boo! Really annoying me

    Oh well, hopefully back to plodding on in the morning

    Going to attempt to do DD's stay and play myself

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • abba1772
    • By abba1772 12th Feb 18, 8:35 PM
    • 4,335 Posts
    • 14,242 Thanks
    abba1772
    I'm constantly told by my 13yr old son that i'm an over protective mother and it's not fair my mates do it are allowed etc, his recent one was i'm over protective because I won't let him go and hang out with his mates in town at night and then get the last bus home at 11pm
    Originally posted by pennywisepoundstupid
    My daughter is 15 and I don't let her waLk the streets at night never mind til 11pm ......you're defo not overprotective xx
    NEXT TARGET HALIFAX CC WAS July 17 ú3572.57 NOW ú2944.72
    POAMAYC 2011 ú6382.66 POAMAYC 2012 ú5000.78
    POAMAYC 2013 ú3480.04 POAMAYC 2014 ú4085.14
    POAMAYC 2015 ú7565.24 POAMAYC 2016 ú8000.90
    POAMAYC 2017 ú7278.80 POAMAYC 2018 ú1874.24
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,969Posts Today

9,843Users online

Martin's Twitter
  • I've been asked a few times if I'd been approached about chairing or being on the independent panel on post 18/stud? https://t.co/LpWASObp9k

  • Just finished on @bbc5live talking student finance. So complex talking all the iterations

  • On @bbc5live now half way through explaining how student finance reallyw orks

  • Follow Martin